FFL Dealers & 2A Business Payment Solutions
Cybin Enterprises specializes in payment processing for the firearms & ammunition industry. We connect firearms businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
Over 8 million FFL licenses have been issued since 1968. Background checks processed over 30 million times in 2023.
Major payment processors routinely ban firearms businesses.
Even established FFL dealers face sudden account terminations.
Banks avoid firearms due to perceived reputational risk.
FFL requirements and ATF regulations demand specialized knowledge.
If Stripe, PayPal, or Square just shut down your firearms & ammunition account, you're not alone. Here's exactly what to do in the first 24 hours.
Your frozen funds are still yours. Processors can hold funds for up to 180 days, but they must eventually release them. Don't close your account or stop responding to requests — this can extend the hold period.
Most freezes have specific triggers: chargeback ratio, volume spike, or documentation requests. Respond to every document request within 24 hours. Write a professional appeal explaining your business.
The Consumer Financial Protection Bureau complaint is the single most effective way to get your funds released. File at consumerfinance.gov/complaint. Processors must respond within 15 days.
Apply with a specialized high-risk processor immediately. Don't wait for your frozen funds to be released. Every day without processing is lost revenue. We can approve firearms & ammunition merchants in 3-10 business days.
Once you're back online, don't put all your eggs in one basket. Load balance across 2-3 processors so a single termination doesn't kill your entire revenue stream. This is how $1M+/month merchants protect themselves.
We work exclusively with processors who support Second Amendment businesses.
Our partners understand FFL requirements and compliance.
Some partners offer NICS check integration.
No more surprise closures—our processors are committed to firearms.
Why specialized high-risk processing beats general-purpose payment platforms for firearms & ammunition businesses.
| Feature | Cybin Enterprises | Stripe / PayPal / Square |
|---|---|---|
| Industry Acceptance | Full Firearms & Ammunition support | Likely to decline or terminate |
| Approval Time | 3-10 business days | Instant but high rejection risk |
| Processing Fees | 3.5-6% (interchange plus) | 2.9% flat (expensive at scale) |
| Rolling Reserves | 5-10%, negotiable, graduation programs | 5-30%, non-negotiable |
| Account Stability | Dedicated underwriting, stable | Algorithm-driven, sudden freezes |
| Support | Dedicated account manager | Chatbot, 5-day email response |
| Chargeback Tolerance | Up to 1.5% with tools | 0.75% trigger, rapid termination |
| Contract Terms | Month-to-month available | Month-to-month but volatile |
| Fund Control | Your account, direct to bank | Through their account, can freeze |
| MATCH List Acceptance | Yes, case by case | No |
FFL Verification
ATF Compliance
Background Check Integration
Gun Show Processing
High-Risk Specialists
Competitive Rates
Fast Approval
Multiple Processors
Our specialists understand the firearms industry. Get matched with the right processor today.
Secure · Confidential · No Commitment
Firearms & Ammunition businesses are classified as high-risk due to elevated chargeback rates, regulatory complexity, and reputational risk for acquiring banks. Traditional processors often decline these merchants, requiring specialized high-risk payment solutions.
Required documentation typically includes business formation documents, government-issued ID, bank statements (3-6 months), processing history (if applicable), industry-specific licenses, and compliance documentation. Specific requirements vary based on your business model and risk profile.
Standard firearms & ammunition approvals typically take 3-10 business days. Businesses with complex histories, MATCH list status, or high processing volumes may require 2-3 weeks for full underwriting review.
High-risk processing fees typically range from 3.5-6% per transaction plus $0.25-0.50, compared to 2.9% + $0.30 for low-risk merchants. Rolling reserves of 5-10% are also common. Exact rates depend on your chargeback history, processing volume, and business model.
Yes. We specialize in helping merchants with prior terminations, MATCH list status, or high chargeback ratios. Our network includes processors who understand the unique challenges of firearms & ammunition businesses and can structure appropriate solutions.
Yes. We offer both domestic (US) and offshore processing options for firearms & ammunition merchants. Offshore processing provides broader risk tolerance and multi-currency settlement, while domestic processing offers faster settlement and lower fees.
Cybin Enterprises specializes in payment processing for the firearms parts & accessories industry. We connect firearms businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
Cybin Enterprises specializes in payment processing for the firearms training & safety industry. We connect firearms businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
Cybin Enterprises specializes in payment processing for the archery & bow equipment industry. We connect firearms businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
